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Dhita Febyanti
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Journal of Ekonomics, Finance, and Management Studies
Published by Universitas Muhammadiyah Gresik
ISSN : 26202956     EISSN : 27470490     DOI : https://doi.org/10.47467/elmal.v5i12
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam mempublikasi hasil riset dan kajian terkini bidang ekonomi, keuangan, manajemen dan bisnis Islam. Mulai 2011, jurnal ini terbit tiga kali setahun setiap Maret, Juli dan November. Jurnal ini dikelola oleh Pusat Riset dan Kajian Strategis (PRKS) Masyarakat Ekonomi Syariah (MES) Bogor Raya bekerjasama dengan Institut Agama Islam Nasional (IAI-N) Laa Roiba Bogor, Institut Agama Islam (IAI) Sahid Bogor dan Institut Umum Quro Al-Islami (IUQI) Bogor. P-ISSN 2620-2956 E-ISSN 2747-0490.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 1,633 Documents
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Determinasi Pelanggan Potensial Memanfaatkan Meta Ads Campaign: Studi Kasus MinMax Coffee Arfan Farokhi; Tsiqotun Affan Maulana; Deru R. Indika
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 6 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i6.7693

Abstract

This final project aims to identify the most relevant potential customer segments for MinMax Coffee by utilizing digital advertising campaigns through Meta Ads. By conducting an experimental approach with multiple ad sets targeted based on age range and audience interests, this project analyzed performance data such as click-through rate (CTR), cost per click (CPC), and engagement metrics to determine the most responsive segment to the campaign. The results indicate that the ad set targeting the 25–35 age group (Ad Set 2) demonstrated the best performance, achieving the highest CTR of 1.62% and the lowest CPC of IDR 533, outperforming the 21–24 age group, which although had a wider reach, showed lower interaction. Moreover, the combination of interests such as coffee, social media, music, and hangout activities proved to yield better interaction rates than audiences with interests limited to coffee and studying or working. These findings suggest that marketing budgets should be more focused on the 25–35 age segment and that enhancing visual formats and copywriting can improve ad effectiveness in other segments. Further recommendations include applying retargeting ads to reach users who interacted with the ads but did not convert, and performing routine ad performance analysis to refine strategies using up-to-date data. This data-driven approach enables MinMax Coffee to craft a more accurate and cost-effective digital marketing strategy to attract potential customers.
Pengaruh Kualitas Produk dan Harga Terhadap Minat Beli Pelanggan di Toko Outdoormu Kota Bima Nurul Inayah; Umar Sagaf; Dinah Husniah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i5.7694

Abstract

This study aims to analyze the effect of product quality and price on consumer purchase intention at outdoorMU Store in Bima City. The background of this research is based on the growing trend of outdoor activities, which drives the expansion of the outdoor gear industry, particularly in Bima, an area with great natural tourism potential. The research employed an associative quantitative approach with purposive sampling involving 68 respondents. Data were collected through questionnaires and analyzed using multiple linear regression with the help of SPSS 25. The results show that both product quality and price have a positive and significant effect on consumers’ purchase intention, both partially and simultaneously. These findings offer strategic implications for store management to continuously improve product quality and set competitive prices to maintain customer loyalty in an increasingly competitive market.
Implementasi Pelatihan dan Pengembangan Terhadap Kinerja Karyawan di Bank Syariah Indonesia (BSI) KCP Bima Kartini Kota Bima Fina Julfiana; Ihwan p. Syamsudin; Ibrahim
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i5.7697

Abstract

The implementation of training at BSI KCP Bima Kartini is still unstructured and has no systematic evaluation. Some employees who have attended the training stated that the material provided is still general and less focused on specific aspects of Islamic banking, such as muamalah contracts, sharia risk management, and sharia product operations. So this study aims to determine the Implementation of Training and Development on Employee Performance at Bank Syariah Indonesia KCP Bima Kartini, Bima City. This research will be conducted at Bank Syariah Indonesia KCP Bima Kartini, Bima City, West Nusa Tenggara. This research uses Qualitative Research with a Case Study Approach. Data Collection Techniques namely Observation, Interview and Documentation. Data Analysis Techniques namely Data Reduction, Data Presentation and Conclusion Drawing. Based on the results of the study it can be concluded that the implementation of training and development has a very significant role in improving employee performance at Bank Syariah Indonesia KCP Bima Kartini. Training provided regularly, both through face-to-face and online methods, is able to improve technical competence, understanding of sharia products, and quality of service to customers. Employees feel more prepared and confident in carrying out their duties after getting provisions that are in accordance with their work needs.
Persepsi Masyarakat Desa Parado Rato Terhadap Penggunaan Akad Musyarakah dalam Pertanian Putri Miftahul Jannah; Ihwan P. Syamsudin; Umar Sagaf
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i5.7701

Abstract

This study aims to determine the perception of the Parado Rato Village Community towards the use of the Musyarakah Agreement in the Agricultural sector. The Musyarakah Agreement is a form of cooperation in Islamic Economics that allows two or more parties to participate in capital and share profits based on an agreement. Although this agreement has great potential to be applied in the Agricultural sector, the application of this concept in rural communities has not been widely studied, especially in the context of trust, understanding, and acceptance. The research method used is a Qualitative Approach with Data Collection Techniques through in-depth interviews, Observation, and Documentation. Respondents consisted of Farmers, Religious Figures, and Village Leaders in Parado Rato who have experience in Agricultural activities. The results of the study show that Community Perception of the Musyarakah Agreement is influenced by factors of Education, understanding of Islamic Economics, and experience in business work. Most respondents showed a Positive attitude towards the use of this Agreement because it is in accordance with the principles of justice and mutual cooperation. However, there are obstacles in the form of limited understanding of the Musyarakah Agreement mechanism which often hinders its optimal implementation. Based on the analysis of the data obtained, the conclusion is that although the Parado Rato Village Community has a positive perception of the use of the Musyarakah Agreement, further socialization and education are needed to improve understanding and application of this Agreement in the Agricultural sector.
Analisis Prefensi Konsumen dan Kualitas dalam Melakukan Pembelian Terhadap Produk Skincare di Kota Palopo Nurul Mutia; Suhardi M.Anwar; Rahmawati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 6 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i6.7706

Abstract

This study aims to analyze the factors that influence consumer preferences for skincare products in Palopo City. This study uses a quantitative method with a non-probability approach and purposive sampling technique to obtain a representative sample, considering the population is not known with certainty. The sample used in this study amounted to 150 respondents, selected based on the criteria of skincare users in Palopo City. Data were collected through an online questionnaire distributed using the snowball sampling technique through social media. The questionnaire consisted of 20 measurement items related to the constructs of creative self-efficacy, knowledge sharing, innovative work behavior, and employee performance, using a Likert scale of 1 to 4. Data analysis was carried out using the Partial Least Squares Structural Equation Modeling (PLS-SEM) technique, which allows testing of causal relationships between latent concepts in a theoretical model. The results of this study provide insight into consumer preferences for skincare products and the factors that influence them, and show the important role of social media influence in purchasing decisions.
Optimalisasi ZISWAF dalam Meningkatkan Kesejahteraan Pesantren: Studi Kasus di Pesantren Quran elTAHFIDH Indonesia Muhammad Ulul Albab Alfirdaus; Bayu Taufiq Possumah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 6 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i6.7717

Abstract

This study examines the development and potential of zakat, infak, sedekah, waqf (ZISWAF) in improving the welfare of Islamic boarding schools, with a case study at the elTAHFIDH Indonesian Quran Boarding School. Using a qualitative method with a triangulation approach through in-depth interviews and Focus Group Discussions (FGD), this study found that the ZISWAF program has an important role in improving the welfare of Islamic boarding schools. Before the ZISWAF program, Islamic boarding schools faced challenges such as limited capital financing, infrastructure preparation, and human resource financing. Through transparent and effective ZISWAF management, Islamic boarding schools have succeeded in improving welfare by building community trust, utilizing funds according to contracts, and routine reporting to donors. ZISWAF funds have a positive impact in various aspects, such as improving the quality of education, Islamic boarding school facilities, and the welfare of students and Islamic boarding school managers. Collaboration, transparency, and professionalism in managing ZISWAF funds are the keys to success in optimizing the potential of ZISWAF for the welfare of Islamic boarding schools.
Peran Produk Halal dan Ramah Lingkungan dalam Mewujudkan Green Economy di Industri Syariah FAS FOOD Desa Duriwetan Anggilah Mawarni; Syuhada; Intan Ayu
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 6 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i6.7721

Abstract

The concept of green economy is now a major concern as a solution to overcome environmental challenges and sustainable development. In the sharia industry, the implementation of green economy is in line with Islamic principles that emphasize halal, sustainability, and ethics. This study aims to examine the role of halal and environmentally friendly products in realizing a green economy in the FasFood business in Duriwetan Village. The method used is a qualitative approach through interviews with business actors and consumers. The results of the study indicate that the role of FasFood products has met halal standards, as evidenced by official halal certification and high awareness of business actors regarding raw materials and production processes. Halal labels have been shown to significantly influence consumer decisions. On the other hand, the role of environmentally friendly principles has not been implemented properly by FasFood business actors in Duriwetan Village because they still use plastic-based packaging and food waste management, with this study, FasFood business actors in Duriwetan Village will try to start adopting environmentally friendly principles such as reducing plastic use and managing food waste. In conclusion, the integration of halal and environmentally friendly principles in the sharia industry of FasFood in Duriwetan village has made a real contribution to supporting the green economy. However, policy support and education are needed to improve more comprehensive implementation.
Persepsi Masyarakat Tentang Perbankan Syariah: Studi Kasus pada Desa Mbawa Kecematan Donggo Kabupaten Bima Dede Gunawan; Ihwan p. Syamsudin; Jainuddin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i5.7734

Abstract

the lack of public knowledge about Islamic banks so that many experience misperceptions in the sharia values that exist in these Islamic banks.... So this research aims to find out the Public Perception of Islamic Banking (Case Study in Mbawa Village, Donggo District, Bima Regency). This research will be conducted in Mbawa Village, Donggo District, Bima Regency, West Nusa Tenggara. This research uses Qualitative Research with a Case Study Approach. Data Collection Techniques are Observation, Interview and Documentation. Data Analysis Techniques are Data Reduction, Data Presentation and Conclusion Drawing. Based on the results of the study, it can be concluded that this research shows that the perception of the Mbawa Village community towards Islamic banking is still at the initial stage of understanding, where most people have a positive view of the existence of Islamic banks, although they do not fully understand the underlying principles. Basic concepts such as the prohibition of usury, the profit-sharing system, and contracts in financial transactions have not been fully understood in depth.
Pengaruh Pembiayaan Gadai Syariah (RAHN) Terhadap Peningkatan Pendapatan Nasabah Nurfadilah; Rafiuddin; Syarif Hidayatullah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i5.7735

Abstract

In their business activities, many people are still usurious because people borrow money from loan sharks. Islamic pawnshop institutions should be more effective in introducing Islamic pawnshops to the public so that the objectives of the pawnshop can be carried out properly in accordance with the pawnshop motto “solving problems without problems”. So this study aims to determine the effect of Sharia Pawn Financing (Rahn) on increasing customer income. This research will be conducted at PT Pegadaian (Persero) Tawali Sharia Pawnshop Unit, Wera District, Bima Regency, West Nusa Tenggara. This research uses Qualitative Research with a Case Study Approach. Data collection techniques are observation, interview and documentation. Data Analysis Techniques namely Data Reduction, Data Presentation and Conclusion Drawing. Based on the results of the study, it can be concluded that sharia pawn financing (rahn) has a significant role in helping customers obtain cash quickly, especially for those who need business capital in a short time. Rahn has proven to be one of the financial instruments that is practical and easily accessible to the public, especially those in the micro and small business sectors.
Pengaruh Organizational Citizenship Behavior, Work Life Balance, dan Corporate Social Responsibility Terhadap Kepuasan Kerja pada Karyawan PT Pan Brothers Boyolali Rania Salsabila; M. Farid Wajdi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 4 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i4.7738

Abstract

This study aims to analyze the effect of Organizational Citizenship Behavior (OCB), Work Life Balance (WLB), and Corporate Social Responsibility (CSR) on employee job satisfaction at PT PAN Brothers Boyolali. The research method used is a descriptive quantitative approach with a sample of 63 employees from the warehouse material department. Data were collected through an online questionnaire using a 5-point Likert scale to measure the three independent variables and job satisfaction. Data analysis was performed using SmartPLS with the SEM-PLS method. The results indicate that OCB, WLB, and CSR have a significant positive effect on employee job satisfaction. OCB creates a harmonious work environment, WLB encourages employees to perform their roles more effectively, and CSR has a positive impact on job satisfaction. This study contributes to the development of human resource management strategies to improve job satisfaction through the OCB, WLB, and CSR approaches.

Page 116 of 164 | Total Record : 1633

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